# PPF Calculator

Enter how much you deposit each year, the PPF interest rate and the number of years to estimate your maturity amount.

Live calculator: https://calc.softool.in/ppf-calculator

## Worked example

Depositing ₹1.5 lakh at the start of every year for 15 years at 7.1% gives about ₹40,68,209. You deposit ₹22,50,000 and earn ₹18,18,209 in interest.

## Quick answers

- **How much will ₹12,000 a year in PPF become in 15 years?** At 7.1% a year, depositing ₹12,000 at the start of every year gives about ₹3,25,457 in 15 years.
- **How much will ₹50,000 a year in PPF become in 15 years?** At 7.1% a year, depositing ₹50,000 at the start of every year gives about ₹13,56,070 in 15 years.
- **How much will ₹1,00,000 a year in PPF become in 15 years?** At 7.1% a year, depositing ₹1,00,000 at the start of every year gives about ₹27,12,139 in 15 years.
- **How much will ₹1,50,000 a year in PPF become in 15 years?** At 7.1% a year, depositing ₹1,50,000 at the start of every year gives about ₹40,68,209 in 15 years.

## PPF maturity table at 7.1% a year

Maturity amount when the full deposit is made at the start of each year.

| Yearly deposit | 15 years | 20 years | 25 years | 30 years |
|---|---|---|---|---|
| ₹12,000 | ₹3,25,457 | ₹5,32,663 | ₹8,24,641 | ₹12,36,073 |
| ₹50,000 | ₹13,56,070 | ₹22,19,429 | ₹34,36,005 | ₹51,50,304 |
| ₹1,00,000 | ₹27,12,139 | ₹44,38,859 | ₹68,72,010 | ₹1,03,00,607 |
| ₹1,50,000 | ₹40,68,209 | ₹66,58,288 | ₹1,03,08,015 | ₹1,54,50,911 |

## How it is calculated

`A = P × ((1 + r)^n − 1) ÷ r × (1 + r)`

P is the yearly deposit, r is the yearly rate as a decimal and n is the number of years. This assumes you deposit the full amount at the start of each financial year, which earns the most interest.

The government reviews the PPF rate every quarter, so check the current rate and change it above. A PPF account matures after 15 years and can be extended in blocks of 5 years. The yearly deposit is limited to between ₹500 and ₹1.5 lakh.

## Good to know

- Deposit before the 5th of April each year to earn interest on the full amount for the whole year.
- PPF has a 15-year lock-in, so use it for long-term goals.
- PPF interest and maturity are tax-free under current rules, which raises its effective return compared with a taxable deposit.

## Common questions

### Why does my real PPF balance differ?

PPF interest is calculated each month on the lowest balance between the 5th and the end of the month. If you deposit later in the year or in parts, you earn less than this estimate.

### Can I withdraw PPF before 15 years?

Partial withdrawals are allowed after a few years, subject to limits, and loans against the balance are available earlier. Full withdrawal is at maturity except in special cases.

### Is PPF interest taxable?

Under current rules PPF interest and the maturity amount are exempt from income tax.

### What happens after 15 years?

You can withdraw the full amount, or extend the account in blocks of 5 years with or without further deposits.

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Source: https://calc.softool.in/ppf-calculator
Last reviewed: October 2026. Results are estimates, not financial advice.